BT & Lowell

Wonderwidow

Hi looking for help - I owed BT £43 I stepped away from being a customer for a month and rejoined and started my account with them. I was unaware I had a balance of £43 for equipment not returned I can’t find the proof of postage and we are some years on. I only noticed it when I started being contacted by a company called Lowell and it appeared on my credit file.  I have retrospectively paid the £43 to BT as I have always been a customer of theirs paying every month. However I cannot get the default notice removed from my credit file for Lowell which is irritating as for £43 I have excellent credit history. Any advice? For example because BT have taken payment are Lowell entitled to say I have a default with them? 

Nasqueron

BT will have issued the default

Lowell buy the debt, BT mark their debt as settled and Lowell issue a default with the same start date as BT

Your credit record should be an accurate representation of your history, a correctly applied default will not normally be removed unless BT or Lowell agree